9645 Howes Rd, Dunkirk, MD 20754 Property Records

Calvert County property record for 9645 Howes Rd, Dunkirk, MD 20754 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2.5 Baths
Year Built	Built 1988
Square Footage	2,406 sqft Total Area
Lot Size	169,884 sqft (3.9 acres)
Garage	Basement, 572 sqft
Occupancy	Owner Occupied
Tax Bill	$5,724.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03-121097`
Alternative APNs	`3121097` `121097`

Interior

Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,406 sqft Total Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Siding Exterior
Roof Material	Composition Shingle Roof
Lot Area	169,884 sqft (3.9 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Basement Garage
Garage Area	572 sqft Garage
Deck Area	192 sqft Deck
Porch Area	447 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating
Sewage	Sewage Connected

Location & Zoning

Account Number	121097
Street Address	9645 HOWES RD
City	DUNKIRK
State	MD
Zip	20754-9257
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 1 RUTH M CHANEY PROP
Legal Subdivision	CHANEY RUTH M PROP
Legal Lot Number	1
Jurisdiction	CALVERT MD
Minor Civil Division	3, SUNDERLAND
Census Blockgroup	3
Census Block	3011
Census Tract	860103

Owner

Source: Calvert County records · APN 03-121097

Assessment roll updated July 28, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1, DUNKIRK, MD 20754-0001
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	9645 HOWES RD, DUNKIRK, MD 20754-9257
Transaction Type	Mortgage
Record Updated	Jul 12, 2023
Title Company	NOT AVAILABLE, RGS TITLE LLC MATS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064510044
Date	Jun 27, 2023
Book Page	6451/44

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Calvert County records · Assessment roll updated July 28, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$519,567 (+17.74%)	$538,900 (+5.69%) Land $177,800 Building $361,100
2025	$5,724.00 (+24.84%)
2023	$4,585.00 Homeowner's exemption	$441,300	$509,900 Land $177,800 Building $332,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 41% of Maryland
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.